Hi, appreciate for the help. My requirement is as below

1. Annual Income: RM40,000

2. Free Lifetime Annual Fee: Preferably Yes

3. Card required for: Monthly average spend 6k+ on Airasia, Malaysia Airlines, Agoda, and Telco bills (Mostly online trancasction).

4. Existing credit cards if any: CIMB (will cancelled it soon after redeem all the reward points)

5. Looking at CC from: Nearby my shop have Hong Leong, MBB, Pbb, RHB, Ambank. Any CC from these bank which suits me most will do.

6. Others: Cashback and/or good reward points